You can find the cheapest full-coverage car insurance in North Carolina for $90 a month from Erie Insurance. It saves you $55 compared to the state average car insurance cost of $145 monthly.
Shopping for car insurance in North Carolina can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in North Carolina should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- According to recent data, Erie Insurance offers the cheapest full coverage car insurance in North Carolina at $90 per month.
- North Carolina drivers with a clean driving record pay 76% less for car insurance than drivers with a DUI.
- In North Carolina, the city of Lake Junaluska has the most affordable car insurance rates at $1,477 annually.
- Comparing price quotes from multiple insurers can help you save up to 38% per year on your car insurance policy in North Carolina.
Which company offers the cheapest car insurance in North Carolina?
Based on data analysis by CarInsurance.com, Erie Insurance provides the cheapest full coverage auto insurance rates for North Carolina drivers at a monthly rate of $90 or $1,082 a year.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in North Carolina. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in North Carolina per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Erie Insurance | $90 |
| State Farm | $98 |
| North Carolina Farm Bureau | $101 |
| Nationwide | $126 |
| Geico | $135 |
| Penn National Insurance | $156 |
| Farmers | $169 |
| Progressive | $169 |
| UTICA Grp | $173 |
| Allstate | $249 |
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Who pays a lower insurance premium in North Carolina?
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 6% less than single drivers.
- North Carolina drivers with clean records pay 76% less than drivers who have a DUI on their record.
- North Carolina drivers in their 20s pay 62% lower rates for insurance than a 16-year-old in North Carolina.
- Adding a teen to your policy will cost you 58% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 56% less on their insurance premiums.
- Drivers insured for three or more years can save up to 16% on their insurance costs.
Cheapest North Carolina companies for different coverage levels
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Erie Insurance is the cheapest for a state minimum policy.
- Erie Insurance has the cheapest rates for a liability-only policy (50/100/50).
- Erie Insurance offers the cheapest car insurance for a full coverage policy (100/300/100) in North Carolina.
The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in North Carolina
North Carolina requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $30,000/$60,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
The following table lists North Carolina’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State Minimum Annual Rates |
|---|---|
| Erie Insurance | $309 |
| State Farm | $331 |
| North Carolina Farm Bureau | $338 |
| Nationwide | $425 |
| Geico | $492 |
| Penn National Insurance | $493 |
| Farmers | $530 |
| Progressive | $530 |
| Allstate | $667 |
| UTICA Grp | $695 |
Cheapest insurance providers for liability-only coverage in North Carolina
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in North Carolina, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| Erie Insurance | $345 |
| State Farm | $370 |
| North Carolina Farm Bureau | $380 |
| Nationwide | $405 |
| Geico | $539 |
| Penn National Insurance | $547 |
| Farmers | $588 |
| Progressive | $588 |
| Allstate | $737 |
| UTICA Grp | $768 |
Cheapest full coverage in North Carolina
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below lists major insurance providers in North Carolina based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full Coverage Annual Rates |
|---|---|
| Erie Insurance | $1,082 |
| State Farm | $1,180 |
| North Carolina Farm Bureau | $1,217 |
| Nationwide | $1,513 |
| Geico | $1,617 |
| Penn National Insurance | $1,872 |
| Farmers | $2,028 |
| Progressive | $2,028 |
| UTICA Grp | $2,070 |
| Allstate | $2,994 |
Learn more about who has the cheapest full coverage auto insurance
Cheapest auto insurance in North Carolina by driving history
Your driving history impacts insurance premiums in North Carolina, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In North Carolina, drivers with a history of such violations typically pay $1,326 more annually than drivers with clean records.
Cheap car insurance rates in North Carolina after a speeding ticket
If you have a speeding ticket on your North Carolina driving record and you are looking for cheap car insurance, Nationwide offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,582 per year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| Nationwide | $1,135 | $1,582 | 39% | $447 |
| Erie Insurance | $1,075 | $1,670 | 55% | $596 |
| North Carolina Farm Bureau | $1,265 | $1,777 | 40% | $512 |
| State Farm | $1,251 | $1,826 | 46% | $574 |
| Kemper Insurance | $1,071 | $1,850 | 73% | $779 |
| Geico | $1,034 | $1,973 | 91% | $940 |
| National General Insurance | $1,539 | $1,988 | 29% | $449 |
| Progressive | $1,860 | $2,638 | 42% | $778 |
| Allstate | $2,339 | $3,381 | 45% | $1,042 |
Cheap car insurance rates after a DUI conviction in North Carolina
North Carolina drivers with a DUI on their record can get the cheapest car insurance from National General Insurance at an average of $4,020 a year, followed by Nationwide with an annual premium of $4,249 annually, based on recent data.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 76% less than drivers with a DUI on their record.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| National General Insurance | $1,539 | $4,020 | 161% | $2,480 |
| Nationwide | $1,135 | $4,249 | 274% | $3,114 |
| Erie Insurance | $1,075 | $4,492 | 318% | $3,417 |
| Kemper Insurance | $1,071 | $4,571 | 327% | $3,500 |
| North Carolina Farm Bureau | $1,265 | $4,747 | 275% | $3,481 |
| State Farm | $1,251 | $5,078 | 306% | $3,827 |
| Geico | $1,034 | $6,904 | 568% | $5,870 |
| Progressive | $1,860 | $7,147 | 284% | $5,287 |
| Allstate | $2,339 | $9,938 | 325% | $7,599 |
Cheap car insurance rates in North Carolina after an at-fault accident
Kemper Insurance is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,699 .
Erie Insurance is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,719 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| Kemper Insurance | $1,071 | $1,699 | 59% | $628 |
| Erie Insurance | $1,075 | $1,719 | 60% | $644 |
| North Carolina Farm Bureau | $1,265 | $1,828 | 44% | $563 |
| State Farm | $1,251 | $1,884 | 51% | $632 |
| Nationwide | $1,135 | $1,937 | 71% | $802 |
| National General Insurance | $1,539 | $2,239 | 45% | $700 |
| Progressive | $1,860 | $2,715 | 46% | $855 |
| Geico | $1,034 | $2,821 | 173% | $1,787 |
| Allstate | $2,339 | $4,317 | 85% | $1,978 |
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Which cities in North Carolina have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
Lake Junaluska is the city with the lowest premiums in North Carolina at an annual auto insurance rate of $1,477 .
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
The table below shows a list of cities in North Carolina with the most affordable car insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Lake Junaluska | $1,477 |
| Marble | $1,488 |
| Marshall | $1,489 |
| Cherokee | $1,490 |
| Highlands | $1,494 |
| Tuckasegee | $1,494 |
| Robbinsville | $1,497 |
| Franklin | $1,498 |
| Hayesville | $1,499 |
| Otto | $1,499 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on car insurance in North Carolina?
If you compare car insurance quotes, you could enjoy an annual saving of around 38% on a full coverage policy in North Carolina.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in North Carolina: Save on premiums
Car insurance discounts in North Carolina can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in North Carolina.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 1% | $16 |
| Anti-theft device | 1% | $8 |
| Daily commute | 2% | $21 |
| Days advanced purchase | 9% | $194 |
| Education | 9% | $145 |
| Electronic funds transfer | 6% | $144 |
| Homeowner | 3% | $83 |
| Loyalty – years renewal with company | 13% | $174 |
| Marital status | 6% | $70 |
| Multi policy | 8% | $147 |
| Paperless/electornic documents | 2% | $27 |
| Payment type | 6% | $125 |
| Primary use | 19% | $314 |
| Profession | 5% | $74 |
| Safety devices | 1% | $13 |
| Telematics | 11% | $221 |
| Years insured | 14% | $547 |
| Years licensed | 48% | $2,367 |
The bottom line on cheap auto insurance in North Carolina
Based on our research, if you are a good driver, Erie Insurance is the cheapest in North Carolina for a full coverage policy.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in North Carolina, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of North Carolina for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 30/60/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of North Carolina